GradReady Privacy Practices

Your privacy is important to us. Ascendium Education Group, Inc. & Affiliates ("Ascendium" or "we" or "us")
has a strong commitment to providing excellent service, including respecting concerns about privacy. Below are the guidelines
we use for protecting the information you give us or we obtain when you use our website ("Website"). By using this Website,
you consent to the data practices described in this Privacy Policy. If you do not agree with the data practices described in
this Privacy Policy, you should not use the Website.

Important Information

Definitions. For purposes of this Privacy Policy,
the following terms are defined below.

"Personal Information"
means any personally identifiable information that you submit to us, including contact information, such as your name,
e-mail address, company name, address, phone number, and other information about yourself or your business. Personal Information
also includes information you provide to us depending on the product or service you have with us such as social security numbers
and account balances, payment history and income and transaction history and credit history.

"Public Information"
means information about you that is available on the internet, such as from Facebook, LinkedIn and Twitter, and publicly-available
information that we acquire from other service providers.

Information We Collect

Personal Information.
We do not automatically collect Personal Information from your computer when you browse this Website. When you look to access specific
resources, we may request that you provide Personal Information. This means that unless you knowingly provide us with Personal Information,
we will not know your name, your email address or any other personally identifiable information about you as a result of your visit to our Website.

You may decide to send us your Personal Information via this Website if you are seeking more information, requesting to attend one of our
events or for other similar purposes. Your decision to disclose your Personal Information is entirely voluntary and, by doing so, you are
providing us with specific consent to use your Personal Information only for the purposes for which you have disclosed it to us.

Ascendium may access and use your Personal Information only for the purposes for which you have submitted it to us to: (a) provide information to you;
(b) make contact with you; (c) provide products or services to you; or, (d) maintain the operations and security of the Website and services we provide
to you. Except for providing services to you, we will not use your Personal Information for any other purposes, for example, the communication of
marketing material, unless we have your specific consent to do so.

Navigational Information.
We automatically collect and store Navigational Information from all users, including those with "Do Not Track" signals enabled in their web browsers.

Cookies.
We use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server.
Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a
web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server
that you have returned to a specific page. For example, if you personalize pages on our Websites, or register for our blog, a cookie helps us
to recall your specific information on subsequent visits. When you return to the same Website, the information you previously provided can be
retrieved, so you can easily use the features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser
setting to decline cookies if ou prefer. If you choose to decline cookies, you may not be able to fullyexperience the interactive features
of our Website.

We also keep track of the pages you visit within our Website in order to determine what portion of the site is the most popular. This data is
used to deliver customized content and promotions to customers whose behavior indicates that they are interested in a particular subject area.

Declaration of Third Party Service Providers.
To make an informed decision on whether to provide your personal data to us, we need to make you aware of the following organization that acts as a data
processor for us in the provision of our services to you ("Third Party Service Providers"): Great Lakes Educational Loan Services Inc., a provider of secure
hosting services, based in the United States.

Information About Children.
Consistent with the Children's Online Privacy Protection Act of 1998, we do not knowingly or intentionally collect information from anyone under
the age of under 13. If you believe that we have collected information about a child under 13, please contact us by clicking the "Contact Us"
link so we may delete the information.

How We Use Information We Collect

We Never Sell Personal Information.
We will never sell your Personal Information to any third party. Ascendium will not share information with third parties except to our Affiliates
or our Third Party Service Providers. Our Affiliates and Third Party Service Providers do not collect, use, share, or store the information except
as necessary to provide contracted services to Ascendium.

Use of Personal Information.
In addition to providing services and the uses identified elsewhere in this Privacy Policy, we may use your Personal Information to:

Improve your browsing experience by personalizing the Website;

Improve our product offering;

Send information to you which we think may be of interest to you; and,

Send you marketing communications relating to our business.

We may use Third Party Service Providers to assist us with collecting and using Personal Information as described in this Privacy Policy.
Third Party Service Providers are not permitted to use or store Personal Information for their own purposes and are held to the same security
standards that we use to protect your Personal Information.

Use of Navigational Information.
We use Navigational Information to operate and improve our Website. We may also use Navigational Information to provide you with personalized
information about Ascendium and our products when you visit our Website. Finally, Navigational Information may be used in combination with
Personal Information to send you personalized information about Ascendium and our products.

We may use Third Party Service Providers to assist us with collecting and using Navigational Information as described in this Privacy Policy.
Third Party Service Providers are not permitted to use or store Navigational Information for their own purposes.

Use of Public Information.
In addition to the uses identified elsewhere in this Privacy Policy, we may use Public Information to:

Improve our product offering;

Send information to you which we think may be of interest to you; and,

Send you marketing communications relating to our business.

Security of your Personal Information.
We take strict security precautions to protect your Personal Information. We permit only authorized employees and Third Party Service
Providers who are trained in the proper handling of Personal Information to have access to your Personal Information.

Links
This Privacy Policy does not apply to features and links hosted by third party Websites. Your interactions with these third party features
and links are governed by the privacy policy and other policies of the third party providing them. Third parties may not collect personal
information from our Website except to provide the widgets, and external resources linked from our Website.

Compelled Disclosure.
We reserve the right to use or disclose your Personal Information if required by law or if we reasonably believe that use or disclosure is
necessary to protect our rights or to comply with a law, court order, or legal process.

Changes to this Privacy Policy.
We may update this Privacy Policy from time to time by posting a new version online. Any updates to the Privacy Policy are effective when the
updated Privacy Policy is posted on the Website. You should check this page occasionally to review any changes to the Privacy Policy. Your
continued use of the Website and/or continued provision of Personal Information to us will be subject to the terms of the then-current Privacy Policy.

Opting Out and Unsubscribing

Reviewing, Correcting and Removing Your Personal Information.
If you provide us with your Personal Information, you have the following rights with respect to that information:

To request that we correct any errors, outdated information, or omissions in Personal Information that you have supplied to us;

To request that your Personal Information not be used to contact you to the extent permitted by federal law; and

To request that your Personal Information be removed from any solicitation list that we use.

To exercise any of these rights, please contact us by clicking the "Contact Us" link. We will promptly change or correct your Personal
Information and notify you of the action we have taken.

To Unsubscribe From Our Communication.
You may unsubscribe from our marketing communications by clicking on the "unsubscribe" link located on the bottom of our emails, or by
contacting us by clicking the "Contact Us" link.

Rights of Individuals in the European Union.
As prescribed within the General Data Protection Regulation, individuals within the European Union have several rights connected to the
provision of your Personal Information to us using this website. These include your rights that we:

Confirm to you what Personal Information we may hold about you, if any, and for what purposes;

Recognize any changes in consent related to your Personal Information;

Correct any inaccurate or incomplete Personal Information which may be held about you;

Provide you with a complete copy of your Personal Information for you to move elsewhere;

Stop processing your Personal Information, while an objection from you is being resolved; and,

Permanently erase all your Personal Information promptly, and confirm to you that it has been done unless there is a reason why we may be
unable to do so such as to comply with our obligations under federal law.

Contacting Ascendium.
If you have any questions about this Privacy Policy, would like to exercise any of your statutory rights or to make a complaint, please write to:

Calculations created through the use of this website
are based on information you have provided. The accuracy of the
results provided depends on the accuracy of the values you entered.
All calculators provide unofficial estimates and should be used for
informational purposes only. Information presented by this website
should not be relied on for legal or tax advice.